Tend your fire.
Build your wealth.
A FIRE planning platform built for high earners who aren't rich yet. Optimize your savings rate, tax strategies, and investment sequencing — so financial independence stops being a dream.
FIRE Number
$3,250,000
On TrackNet Worth Progress
41%
Current NW
$1.33M
Savings Rate
38%
Years to FIRE
9 yrs
5/24 Status
2/5
Next Action
Max your 2025 Backdoor Roth IRA by April 15
0%
Safe withdrawal rate — the foundation of every FIRE number
0x
Annual expenses multiplier to reach financial independence
∞
Your Possibilities
Infinite paths to get there
Tools
Every tool you need,
nothing you don't.
How it works
Three steps to financial freedom
Find your number
Use the FIRE calculator to set your target. Based on your expenses and withdrawal rate, we show exactly what you need.
Optimize your sequence
Follow the investment roadmap to prioritize 401k, HSA, Roth IRA, and taxable accounts in the right order for your situation.
Track your progress
The Hearth dashboard shows your net worth, savings rate, and FIRE timeline updating in real time as you build wealth.
From the blog
See all →The Backdoor Roth IRA, Simply Explained
High earners are shut out of direct Roth IRA contributions — but the backdoor method keeps the door open. A plain-English walkthrough of the two-step process.
Why Your 5/24 Status Matters More Than You Think
Chase's 5/24 rule silently blocks you from the most valuable travel cards. Master it and the timing becomes a strategic advantage.
The FIRE Number: Your North Star
One formula. One goal. Understanding what your FIRE number means — and how to reach it faster.
Stop working for money.
Make it work for you.
Your FIRE number is waiting. Let's find it.
Start Planning →